Virtual terminal for payment processing

ABSTRACT

In some embodiments, a process for performing transaction tasks using a virtual terminal comprises: presenting functions to a user, receiving a selected function, and performing the selected function. The presented functions may comprise: (a) activating at least one card; (b) deactivating a card; (c) generating a PIN; (d) inserting value; (e) generating an End of Day report; and (f) managing users.

FIELD OF THE INVENTION

The present invention relates to field of electronic transactions involving payment cards. In particular, a virtual terminal is disclosed that enables merchants to perform certain transactional tasks without using a dedicated physical merchant terminal.

BACKGROUND OF THE INVENTION

In order to process transactions using encoded cards, stored value cards, and/or credit or debit cards, it is often necessary for merchants to possess and use a physical terminal. Such terminals are often expensive and cumbersome, and may require special connectivity, maintenance, and training. For particular transactions involving stored value cards, such as activation, deactivation, inserting value, and providing reports, dedicated terminals may also be needed.

Thus, there is a need for a method to accomplish many of the same transactional tasks without the need for an expensive, cumbersome terminal.

Generic computer systems are generally readily available and are fairly inexpensive. Such generic computers are typically capable of connecting to networks, such as the internet, and are capable of connecting to particular servers or processors over such networks. Accordingly, it is desirable to utilize a generic computer system to perform functions generally performed by a physical terminal.

The following U.S. patents and U.S. patent applications describe the state of the art: U.S. patent application Ser. Nos. 11/233,704 filed Sep. 23, 2005; 11/237,950 filed Sep. 29, 2005; 11/116,243 filed Apr. 28, 2005; 11/062,249 filed Feb. 18, 2004; 11/232,573 filed Sep. 22, 2005; 11/303,258 filed Dec. 16, 2005; 11/273,874 filed Nov. 15, 2005; and 10/739,301 filed Dec. 19, 2003.

SUMMARY OF THE INVENTION

Aspects of the invention include a process for performing transaction tasks using a virtual terminal comprises: presenting functions to a user, receiving a selected function, and performing the selected function. The presented functions may comprise: (a) activating at least one card; (b) deactivating a card; (c) generating a PIN; (d) inserting value; (e) generating an End of Day report; and (f) managing users.

These and other aspects will become apparent from the following description of the preferred embodiment taken in conjunction with the following drawings, although variations and modifications may be effected without departing from the spirit and scope of the novel concepts of the disclosure.

BRIEF DESCRIPTION OF THE DRAWINGS

The present invention can be more fully understood by reading the following detailed description together with the accompanying drawings, in which like reference indicators are used to designate like elements.

FIG. 1 displays a main menu generated and displayed by a virtual terminal in accordance with some embodiments of the present invention.

DETAILED DESCRIPTION OF EXEMPLARY EMBODIMENTS

DEFINITIONS. As used herein, any term in the singular may be interpreted in the plural, and alternately, any term in the plural may be interpreted to be in the singular. Error messages or other messages throughout these embodiments are illustrative only, and may be replaced by similar appropriate messages.

The term “serial number” is defined broadly as disclosing alphabetic letters (upper or lower), numbers, and other special characters or identification indicia. Further, sets of steps may be reordered, steps may be omitted, and other steps may be inserted.

The term “disclosing” is used throughout the application in an exemplary and non-limiting manner.

The term “graphical user interface” (GUI) is defined broadly as disclosing simple lines of interrogatories without graphical icons. Hardware buttons, touch sensitive screen icons, mouse activated icons, pull down menus, pop up boxes, and text commands all may be used to interact with software modules. For example, “Submit” may be typed onto a command line, or a “Submit” icon may be selected by clicking the icon with a mouse pointer. Voice recognition systems may be used in place of graphical user interfaces.

The term “cards” is defined broadly as disclosing credit cards, debit cards, gift cards, other consumer cards, magnetic stripe based cards, chip based cards, RFID based cards, and other financial data storage systems that may not have the physical form of a card.

The term “personal identification number” (PIN) is defined broadly similarly to “serial number.”

The term “universal product code” (UPC) is defined broadly as disclosing similar product codes such as European Article Numbering (EAN).

The term “dollar” is defined broadly as disclosing other international currencies such as the Euro.

Similarly, labels for icons are defined broadly as disclosing similar appropriate labels (for example, “Submit” discloses “Enter” and “Execute”).

Error messages are defined broadly as disclosing similar appropriate messages (for example, “The Command Cannot be Obeyed Because Improper Data Has Been Submitted” discloses “Some Required Fields Have Been left blank” and “Please Enter the Required Information”). Sending an error message is defined broadly as disclosing sending a text message, or sending a graphical symbolic message, or routing the user to a separate screen that provides the appropriate error information.

The major functions of the virtual terminal may comprise some or all of the following: activation of a single card, activation of a batch of cards, deactivation, generation of a PIN, deactivation of a PIN, value insertion, reporting, administration, language selection, and velocity checks. A detailed discussion of each of these functions follows below.

FIG. 1 illustrates an embodiment of a main menu presenting the following software modules for selection by a user: activation, batch activation, deactivation, PIN generation, value insertion, End of Day report, and manage users. Specifically, main menu 100 comprises seven software module titles, numbered 1 through 7. The first software module is Activation 1 and is followed by an associated arrow icon. If the associated arrow icon is selected by the user, then the software will send the user to a screen associated with the Activation software module. The other software module titles (Batch Activation 2, and Deactivation 3, and Pin Generation 4, and Value Insertion 5, and End of Day Report 6, and Manage Users 7) are similarly followed by associated arrow icons.

Other interactive navigation techniques are also contemplated, e.g. voice recognition, command line text entry, and so forth. Further, the modules may be reordered, modules may be omitted, and modules may be added.

ACTIVATION. In some embodiments, a virtual terminal may comprise an activation module that may allow a user to activate a stored value card by using a serial number (or personal account number (PAN)) printed on the stored value card. A graphical user interface may request a serial number, or present a field for the serial number. The user may provide the serial number by typing, scanning, RFID communications, importing a file, or by any other convenient method. The user may expressly indicate that the serial number has been provided by selecting a button that is appropriately labeled (for example, “Activate”), or by other well known interface techniques. Alternatively, the virtual terminal may automatically recognize that the serial number has been provided by recognizing that the proper number of digits or characters has been entered. A button or tab designating a return to the main menu or the home page may be provided. Other routing options may be provided.

A graphical user interface module for activation may satisfy one or more of the following requirements:

-   REQ-1: If the Serial Number is not entered (or is not recognized as     a serial number), then the system may display an error message     stating that the Serial Number is required. Similar error messages     may state that not enough characters were entered, or too many     characters were entered, or provide more details. -   REQ-2: If the Serial Number entered has already been activated, then     the system may display an error message stating “This Serial Number     has already been activated. Please check the Serial Number and try     again.” -   REQ-3: If the Serial Number entered has already been redeemed, then     the system may display an error message stating that “This Serial     Number has already been redeemed and cannot be re-activated. Please     check the Serial Number and try again.” -   REQ-4: If the Serial Number entered belongs to a product that the     retailer is not authorized to activate, then the system may display     an error message stating that “This retailer is not authorized to     activate this product.” -   REQ-5: If the user enters a Serial Number that is valid, then they     may be sent to a page confirming that the Serial Number and product     is valid and can be activated. -   REQ-6: If the user selects the “Return to Menu” button, then they     should be taken to the main Virtual Terminal menu. -   REQ-7: A Velocity Check function should monitor the activation of     products by each location. If a location exceeds the number of     activations allowed per day as listed in the Velocity Threshold     table, then the system may display an appropriate error message     stating, for example, “You have exceeded your activation limit for     the day. Please try again tomorrow, or call our 24-hour Merchant     Services support center at 1-800-123-4567.”

BATCH ACTIVATION. In some embodiments, an activation module may allow the user to simultaneously activate (or at least to present or nominate for activation) a set of cards.

The set may be consecutive or non-consecutive. A consecutive set may be described by a starting serial number and an ending serial number, or may be described by a starting serial number and a total number of cards (for example 100), or by a set of serial numbers (preferably separated by spaces or commas). A non-consecutive set may be input as a set of serial numbers (preferably separated by a space). After identifying a batch of serial numbers, the user may expressly indicate that the batch of serial numbers has been provided by selecting a button that is appropriately labeled (for example, labeled “Activate Batch”), or by other well known interface techniques. A button or tab designating a return to the main menu or the home page may be provided. Other routing options may be provided.

A graphical user interface module for batch activation based on a starting serial number and an ending serial number may satisfy one or more of the following requirements:

-   REQ-1: If the starting Serial Number is not entered, then the system     may display an error stating that the starting Serial Number is     required. -   REQ-2: If the ending Serial Number is not entered, then the system     may display an error stating that the ending Serial Number is     required. -   REQ-3: If the user enters a range of Serial Numbers that is more     than 100 cards, then the system may display an error stating that     the user is only able to activate a maximum of 100 cards at a time.     (This maximum number of cards may vary from user to user, depending     on the status of the user.) -   REQ-4: If a Serial Number within the range entered has already been     activated, then the system may display an error message listing the     serial numbers that could not be activated. An exemplary error     message may state “The following Serial Numbers have already been     activated. Please check the Serial Number range and try again.” -   REQ-5: If a Serial Number with the range entered has already been     redeemed, then the system may display an error message listing the     serial numbers that could not be activated. For example, “The     following Serial Numbers have already been redeemed and cannot be     re-activated. Please check the Serial Number and try again.” -   REQ-6: If any of the Serial Numbers within the range entered belong     to a product that the retailer is not authorized to activate, then     the system may display an error message stating that “This retailer     is not authorized to activate this product” and identifying the     offending serial numbers and products. -   REQ-7: If the user enters a Serial Number range that is valid, then     the user may be sent to a page confirming that the Serial Numbers     and products are valid and can be activated. -   REQ-8: If the user accepts the confirmation, then they may be sent     an e-mail to their account on file confirming their batch     activation. -   REQ-9: If the user selects the “Return to Menu” button, they should     be taken to the main Virtual Terminal menu. -   REQ-10: A Velocity Check function should monitor the activation of     products by each location. If a location exceeds the number of     activations allowed per day as listed in the Velocity Threshold     table, then the system may display an error message stating “You     have exceeded your activation limit for the day. Please try again     tomorrow, or call our 24-hour Merchant Services support center at     1-800-123-4567.”

DEACTIVATION. In some embodiments, a virtual terminal may comprise an deactivation module which will allow the user to deactivate a card by using a serial number. This procedure may be similar or analogous to the activation procedure discussed above. Deactivation may be based upon a PIN, in place of a serial number. Batch deactivation may also be allowed, and may be presented on a separate screen, similar to the batch activation discussed above.

A graphical user interface module for deactivation based on serial number or PIN may satisfy one or more of the following requirements:

-   REQ-1: If neither the Serial Number nor PIN Number is entered, then     the system may display an error stating that “Either the Serial     Number or PIN Number is required.” -   REQ-2: If the Serial Number or PIN Number entered has already been     deactivated, then the system may display an error message stating     that “This Serial Number has already been deactivated. Please check     the Serial Number and try again” or “This PIN Number has already     been deactivated. Please check the PIN Number and try again.” -   REQ-3: If the Serial Number or PIN Number entered has already been     redeemed, then system may display an error message stating that     “This Serial Number has already been redeemed and cannot be     deactivated. Please check the Serial Number and try again” or “This     PIN Number has already been redeemed and cannot be deactivated.     Please check the PIN Number and try again.” -   REQ-4: If the Serial Number or PIN Number entered belongs to a     product that a user is not authorized to deactivate, then the system     may display an error message stating that “This user is not     authorized to deactivate this product.” Generally a user will only     be authorized to deactivate the same type of products that the user     is authorized to activate, although this is not mandatory. -   REQ-5: If the serial number or PIN Number entered was not activated     by the user presently logged into the system, then the system may     display an error message stating that “This product was not     activated by this user, therefore this user is not authorized to     deactivate this product.” Generally a user will only be allowed to     deactivate specific serial numbers or PINs that were activated by     the same user, although this is not mandatory. -   REQ-6: If the user enters a Serial Number or PIN Number that is     valid, then they may be sent to a page confirming that they are     about to deactivate this Serial Number or PIN Number. -   REQ-7: If the user selects the “Return to Menu” button, then the     user should be taken to the main Virtual Terminal menu.

PIN GENERATION. In some embodiments, a virtual terminal may comprise a PIN generation module which may allow the user to generate a PIN. The PIN may be for a product that has a UPC (Uniform Product Code), and the UPC may be associated with a UPC description, and the UPC description may include a demonination.

The user may select a product from a UPC pull down menu, and then select a “submit” button.

A graphical user interface module for deactivation based on serial number or PIN may satisfy one or more of the following requirements:

-   REQ-1: If a product was not selected, then the system may display an     error stating that “You must select a product.” -   REQ-2: If no PINs are available, then the system may display an     error stating that “No PINs are available at this time. Please try     again later.” Additionally, an email notification may be sent to an     administrator stating that no PINs are available. -   REQ-3: If the user selects a product and a PIN is available for that     product, then the user may be sent to a page or screen confirming     that they are about to generate a PIN for a specific product. -   REQ-4: If the user selects the “Return to Menu” button, then the     user should be taken to the main Virtual Terminal menu. -   REQ-5: A Terminal Threshold function should monitor the generation     of PINs by each location. If a location exceeds the number of PIN     generations allowed per day as listed in the Terminal Threshold     table, the system will need to display an error message stating “You     have exceeded your PIN generation limit for the day. Please try     again tomorrow, or call our 24-hour Merchant Services support center     at 1-800-123-4567.”

VALUE INSERTION. In some embodiments, a virtual terminal may comprise a value insertion module. The user may add a value to an account. A specific embodiment illustrated below is customized for mobile phones. Similar modules may be customized for paying other kinds of accounts such as household bills (heating, water, cable, etc).

The user may select a product and an associated value from a UPC Description drop down box or menu. Alternatively, an additional box or menu may provide a set of predetermined values as a separate selection. Alternatively, an additional box may allow the user to input any arbitrary value. The user may then enter a mobile phone number, and may also press a “Submit” button or similarly indicate a desire to perform the proposed transaction.

A mobile phone number may be associated with a specific customer account at a specific carrier by accessing a relational database. Thus, a mobile phone number adequately identifies a customer account associated with that mobile phone number. This database may be accessed by an intermediary who holds a subscription, and usually will not be accessed directly by the virtual terminal. In some embodiments, the virtual terminal may never display the identified customer account associated with the mobile phone number.

A graphical user interface module for value insertion may satisfy one or more of the following requirements:

-   REQ-1: If a product was not selected, then the system may display an     error stating that “You must select a product.” -   REQ-2: If a mobile number was not entered, then the system may     display an error message stating that “You must enter a mobile     number.” -   REQ-3: When the user selects Submit, then the system should verify     that the mobile number is valid, and is authorized to accept a     selected refills. If the mobile number is not valid or is not     authorized to accept refills, then an error message may state “The     phone number is not valid or is not authorized to accept refills.     Please confirm your number and resubmit.” -   REQ-4: When the user selects Submit, then the system should evaluate     the balance of the phone account to determine if the proposed     transaction can be competed.     -   a) If the sum of the account balance and the new value insertion         is greater than a predetermined maximum value, then the         intermediary may return the code that lets the virtual terminal         display the following message: “Adding airtime to this account         would exceed the wireless carrier's maximum account balance. We         are unable to complete a refill transaction for this account at         this time. Please select a smaller amount.”     -   b) If the sum of the account balance and the new value insertion         is less than a predetermined maximum value, then the user should         be sent to a page or screen confirming that they are about to         complete a value insertion for a specific product description, a         specific value, and a specific mobile phone number. -   REQ-5: If the user selects the “Return to Menu” button, then the     user should be taken to the main Virtual Terminal menu. -   REQ-6: Carrier specific rules may determine the maximum value for     the account after the proposed new value insertion, as discussed     above. This maximum value may be taken from a     ValueInsertionMaxBalance table.

GENERATE END OF DAY REPORT. In some embodiments, a virtual terminal may comprise an End of Day Report module. The End of Day Report should contain a concise summary of the transactions and activities of the day. A user may generate a report at the end of the day, or at regular intervals such as the end of each 8 hour shift, or at any specific time.

The user arrives at the current End of Day Report by default. The user may generate or retrieve the Report for a previous day by selecting a date from a calendar pop-up, or by inserting a date into a field. The user may download the report as a file by selecting a “Download Report” button or other interactive means. The user may print a printer-friendly version of the report by selecting a “Print” button. Alternatively, the user may select a “View Printer-friendly Version”, and then select a “Print” button.

The End of Day Report should contain a concise summary of the transactions and activities of the day (or of the shift). This summary may include: date, terminal, store number, time, invoice number, a list of prepaid card sales (including transaction date, description, denomination, reference number, employee number, transaction number), a list of PINs issued, and other transactional accounting data.

A graphical user interface module for generating an End of Day Report may satisfy one or more of the following requirements:

-   REQ-1: If the User selects a previous date from the calendar pop-up,     then the page should refresh and display the End of the Day Report     for the newly selected date. -   REQ-2: The User should not be able to select a future date from the     calendar pop-up. The system should make dates that occur after the     present day un-selectable. -   REQ-3: If the User selects the “Download Report” button, they should     be taken to a page that allows them to choose the format of the     report to be downloaded. See section 4.5 for more information. -   REQ-4: If the User selects the “Print” button, then a page with the     printer-friendly version of the report should appear in a new     window. -   REQ-5: If the User selects the “Return to Menu” button, then the     user should be taken back to the main Virtual Terminal menu.

DOWNLOAD REPORT. In some embodiments, a virtual terminal may comprise a Download Report module. The End of Day Report may contain a concise summary of the transactions and activities of the day.

A user may download the above mentioned End of Day Report to their computer network, or email it to an interested party. The user may select either the current day's report, or reports in a date range by selecting the appropriate check box. If the User selects a report for a date range, then the User may select the Start Date from the Start Date month, day and year drop down boxes. The User may select the End Date from the End Date month, day and year boxes. The User may select the “Submit” button. The User may select the location on their computer where they wish to place the downloaded report from the pop up Save As window. The User may choose a File Name and enter it in the File Name field in the Save As window. The User may select the “Save” button.

A graphical user interface module for generating an End of Day Report may satisfy one or more of the following requirements:

-   REQ-1: If the user selects the current day report, and selects the     “Submit” button, then a window may pop up prompting them to select a     location in which to save the report. The user may save a tab     delimited text file containing the current day's data to the     selected location. -   REQ-2: Under the date range selection option, the Start Date may     default to 7 days ago, and the End Date may default to today's date. -   REQ-3: If the user selects the date range report, and selects the     “Submit” button, a window may pop up prompting the user to select a     location in which to save the report. The user may save a tab     delimited text file containing the current day's data to the     selected location.

MANAGE USERS. In some embodiments, a virtual terminal may comprise a Manage User's module. The Manage User's module may allow the management of a particular location to add, or remove, or edit user accounts.

A user may enter a user name in a search field. The user may select an appropriate search label from a drop down box. The drop down box may present the following search labels: all, user name, or name. The User may select “Submit”. The user may find and select the user name that they with to edit (or select an edit icon next to the user name). The user may select “Add User” to add a user. The user may select “Delete” to delete a user.

A graphical user interface module for managing users may satisfy one or more of the following requirements:

-   REQ-1: If the user selects a user name or a pencil edit icon, then     the user may be transferred to the “Edit/Add User” screen. -   REQ-2: If the user selects an “Add User”, then the user may be     transferred to the Edit/Add User screen. -   REQ-3: If the user selects the delete icon, the system should prompt     the user with the message “You are about to delete user     “telus234clerk02.” Would you like to proceed? YES NO.” If the user     select YES, then the prompt should close, and the named “user” in     question should be deleted from the screen. If the user select NO,     then the prompt may close and the screen may remain unchanged. -   REQ-5: If the user selects Next (when this option is available),     then the next 10 records should be displayed. -   REQ-6: If the user selects Previous (when this option is available),     then the previous 10 entries should be displayed. -   REQ-7: If the user selects First (when this option is available),     then the first 10 entries should be displayed. -   REQ-8: If the user selects an up arrow in any column, then that     column should sort in descending order by first letter. -   REQ-9: If the user selects a down arrow in any column, then that     column should sort in ascending order by first letter. -   REQ-10: The search drop down box should default to All. -   REQ-11: If the user selects the Search button without having entered     any information in the search field, then the system should return     all entries. -   REQ-10: If the user enters something in the search field, and     selects “User Name” from the drop down box, and selects “Search”,     then the system should only search the User Name field. The same     logic should be followed if the user selects “Name or Franchise”     from a drop down box. -   REQ-11: This module should only allow management to add, edit, and     remove clerk accounts for the location that the using management is     assigned to. This module should in no way allow the management to     change the components or rights available to the using management.

ADD/EDIT USER ACCOUNTS. In some embodiments, a virtual terminal may comprise an Add/Edit User Accounts module. The Add/Edit User Accounts module may allow the management of a particular location to add, or remove, or edit user accounts (this module is very similar to the Manage Users module discussed above).

The user may enter or alter the user name in the User Name text field. The user may enter or alter the password in the Password text field. The user may enter or alter the password again in the Confirm Password text field. The user may enter or alter the first name in the First Name text field. The user may enter or alter the last name in the Last Name text field. The user may enter or alter the email address if available in the Email Address text field. The user may select (or highlight) the desired locations from the left location box, and then select the right arrow to transfer the desired locations to the right location box. The user may select the appropriate functionality from the left functionality box, and then select the arrow to move them to the right selection box. The user may select or unselect active next to the “Active?” Check box. The user may select Save.

A graphical user interface module for adding/editing user accounts may satisfy one or more of the following requirements:

-   REQ-1: This section should only allow management to add, edit, and     remove clerk accounts for location that they are assigned to. This     piece should in no way allow the management to change the components     or rights available to that management. -   REQ-2: The following fields are required: User Name, Password,     Confirm Password, First Name, Last Name, Role(s). -   REQ-3: If the user selects Save, then the user should be sent to the     User List screen. -   REQ-4: If the user selects Save but has not entered the required     information, then the module should display an error stating “Please     enter the required information.”

MAIN ADMINISTRATION. In some embodiments, a virtual terminal may comprise a Main Administration module. The Main Administration module may allow Administrators to navigate through the menu system. The Main Administration module may be located in eAdmin.

The user may select links to go to different modules in the menu. For example, the links may comprise: User Administration, Merchant/Location Administration, and Merchant Product Administration.

A graphical user interface module for Main Administration may satisfy some of the following requirements:

-   REQ-1: If the user selects User Administration, they need to go to     the User Administration screens. -   REQ-2: If the user selects Merchant/Location Administration, they     need to go to the Merchant/Location Administration screens. -   REQ-3: If the user selects Merchant Product Administration, they     need to go to the Merchant Product Administration screens.

USER ADMINISTRATION. In some embodiments, a virtual terminal may comprise a User Administration module. The User Administration Module may allow Administrators to edit and add users. This module may be located in eAdmin.

The User may enter a user name, name, or franchise in the Search field. The User may select an appropriate search label from a drop down box (all, user name, name, or merchant/location). The User may select “Submit”. The User may find and select the user name (or select an edit icon next to the user name) that the User wishes to edit. The User may select “Add User” to add a user. The User may select the “Delete” icon to delete a user. The User may change the user's location by selecting “Choose Loc”.

A graphical user interface module for User Administration may satisfy some of the following requirements:

-   REQ-1: If the user selects the user name or the pencil edit icon,     then the user should be sent to the Edit/Add User module. -   REQ-2: If the user selects Add User, then the user should be sent to     the Select User Location screen and should be prompted to drill down     to the location. Alternatively or additionally, there should be an     option to add an administrative user not associated with a location. -   REQ-3: If the user selects the delete icon, then the system should     prompt the user with the message “You are about to delete user     “telus234clerk02.” Would you like to proceed? YES NO.” If the user     selects YES, then the prompt should close and the selected user     should be removed from the screen. If the user selects NO, then the     prompt should close and the screen should remain unchanged. -   REQ-4: If the user selects Choose Location, then the user should be     sent to the Select User Location screen. -   REQ-5: If the user selects Next (when available), then the next 10     records should be displayed. -   REQ-6: If the user selects Previous (when available), then the     previous 10 entries should be displayed. -   REQ-7: If the user selects First (when available), the first 10     entries should be displayed. -   REQ-8: If the user selects the up arrow in any column, then that     column should sort in descending order by first letter. -   REQ-9: If the user selects the down arrow in any column, then that     column should sort in ascending order by first letter. -   REQ-10: The search drop down box should default to All. -   REQ-11: If the user selects the Search button without having entered     any information in the search field, then the system should return     all entries. -   REQ-10: If the user enters something in the search field, and     selects User Name from the drop down box, and selects Search, then     the system should only search the User Name field. The same logic     should be followed if the user selects Name or Franchise from the     drop down box.

ADD/EDIT USER. In some embodiments, a virtual terminal may comprise an Add/Edit User module. An Add/Edit User module may allow Administrators to add or edit users. This module may be located in eAdmin.

The user may enter or alter the user name in the User Name text field. The user may enter or alter the password in the Password text field. The user may enter or alter the password again in the Confirm Password text field. The user may enter or alter the first name in the First Name text field. The user may enter or alter the last name in the Last Name text field. The user may enter or alter the email address if available in the Email Address text field. The user may select the appropriate level of access from the Role(s) multiple selection field. The user may select or unselect active next to the Active? Check box. The user may select Save.

A graphical user interface module for Add/Edit User may satisfy some of the following requirements:

-   REQ-1: The roles may have the following levels of access:     -   Clerk: Activate, Deactivate, Value Insertion, PIN Generation.     -   Reporter: Run Daily Report.     -   Manager: All of the above.     -   Admin: All of the above plus administrative access. -   REQ-2: The following fields may be required: User Name, Password,     Confirm Password, First Name, Last Name, Role(s). -   REQ-3: If the user selects Save, then the user should be sent to the     User List screen. -   REQ-4: If the user selects Save but has not entered the required     information, then the module should display an error message stating     “Please enter the required information.”

MERCHANT/LOCATION ADMINISTRATION. In some embodiments, a virtual terminal may comprise a Merchant/Location Administration module. The Merchant/Location Administration module may allow the Administrators to add and edit merchants and locations. This module may be located in eAdmin.

The User may enter a merchant, vendor, or location in the Search field. The User may select the appropriate search label from the drop down box (all, merchant, vendor, or location). The User may select Submit. The User may find and select the organization they wish to view or edit. The User may select Add Organization to add a new organization. If IP Restricted is true, the User may select the highlighted text in the IP Restricted field to add or edit IP addresses. The User may select Edit/Add Users to go to the list of users belonging to that location.

A graphical user interface module for Merchant/Location Administration may satisfy some of the following requirements:

-   REQ-1: The search drop down box should default to All. -   REQ-2: If the user selects the Search button without having entered     any information in the search field, then the system should return     all entries, or else search only merchants, vendors, or locations,     as selected in the drop down box. -   REQ-3: If the user enters something in the search field and selects     Merchant from the drop down box, and selects Search, then only     organizations of the type MERCHANT should be returned. The same     logic should be followed if the user selects Vendor or Location from     the drop down box. -   REQ-4: If the user selects the up arrow next to the column headers     Name, Type, Logo, or IP Restricted, then the appropriate column     should be sorted in descending order by first letter. -   REQ-5: If the user selects the up arrow next to the column headers     Name, Type, Logo, or IP Restricted, then the appropriate column     should be sorted in ascending order by first letter. -   REQ-6: If the user selects the organization name, then the user     should be transferred to a pre-populated Organization Administration     Edit form. -   REQ-7: If the user selects Add Organization, then the user should be     transferred to a blank Organization Administration Edit form. -   REQ-8: If the user selects Next (when available), then the next 10     records should be displayed. -   REQ-9: If the user selects Previous (when available), then the     previous 10 entries should be displayed. -   REQ-10: If the user selects First (when available), the first 10     entries should be displayed. -   REQ-11: If “IP Restricted”=true, then the text “true” should link to     an IP Administration screen for that organization. -   REQ-12: If the user selects “true” in the IP Restricted column, they     should go to an IP Administration screen for that organization. -   REQ-13: If the user selects Edit/Add Users, they should go to a page     listing the users assigned to that location.

ORGANIZATION ADMINISTRATION EDIT. In some embodiments, a virtual terminal may comprise an Organization Administration Edit module. An Organization Administration Edit module may allow the Administrators to add and maintain organizations. This module may be located in eAdmin.

The User may enter the Organization Name. The User may not be required to enter the Vendor ID. The User may enter the Merchant ID. The User may enter the Location ID. The User may enter the name and location of the Logo file. The User may check Password Expires if the password for this organization should expire on a regular basis. If the User checked Password Expires, then the User may enter the number of days after which the password expires in the Password Expires Days field. The User may check IP Restricted. The User may select Save.

A graphical user interface module for Organizational Administration Edit may satisfy some of the following requirements:

-   -   REQ-1: The following fields may be required: Organization Name,         Vendor ID, Merchant ID, Location ID.     -   REQ-2: When the user selects Save, then the user should be         transferred to the Organization list.

-   REQ-3: No special characters should be allowed.

IP ADDRESS ADMINISTRATION. In some embodiments, a virtual terminal may comprise an IP Address Administration module. An IP Administration module may allow Administrators to add and maintain IP addresses per for security purposes. This module may be located in eAdmin.

The user may enter an IP address. The user may select an Add button. The user may select an edit icon to edit an IP address. The user may select a delete icon to delete an IP address.

A graphical user interface module for IP Address Administration may satisfy the following requirements:

-   REQ-1: Each octet of the IP Address should be a number from zero to     255. -   REQ-2: If the user attempts to add an IP address that is invalid     (i.e.—fields are left blank, or one or more octets are more than     255), then the module should display an error message stating “Not a     valid IP Address. Please try again.” -   REQ-3: When the user enters a valid IP address and clicks Add, then     the IP address should be added to list of accepted addresses for     that organization. -   REQ-4: If the user selects an delete icon next to an IP address,     then that address should be removed from the list. -   REQ-5: If the user selects an edit icon next to an IP address, that     address should be editable. -   REQ-6: If the user selects a linked organization name, then the user     should be transferred to an edit screen for that organization.

MERCHANT PRODUCT ADMINISTRATION. In some embodiments, a virtual terminal may comprise a Merchant Product Administration module. A Merchant Product Administration module may allow an Administrator to maintain the products available to each merchant. This module may be located in eAdmin.

The user may select a merchant from a drop down menu. The user may select Submit. Alternatively, the user may submit by double clicking on a merchant from the drop down menu.

A graphical user interface module for Merchant Product Administration may satisfy the following requirements:

-   REQ-1: If the user selects a merchant and selects Submit, then the     user should be transferred to a product list for the selected     merchant.

MERCHANT PRODUCT LIST. In some embodiments, a virtual terminal may comprise a Merchant Product List module. A Merchant Product List module may allow an Administrator to add and edit products for specific merchants. The user may select a product to be edited. The user may select Add Product. The user may delete a product from the merchant's list.

A graphical user interface module for Merchant Product List may satisfy the following requirements:

-   REQ-1: If the user selects the “X” icon next to the product name,     then the product should be removed from this merchant's allowed     products list, but should not be removed from the system. -   REQ-2: If the user selects the pencil icon next to the product name,     then the user should be transferred to a pre-populated edit/add     product form. The user may edit/add products, may review the edits     or additions, and may confirm or verify or update the edits or     additions to make them permanent. -   REQ-3: If the user selects Add Product, then the user should be     taken to a blank edit/add product form. -   REQ-4: If the user selects the up arrow next to the column headers     Product, UPC, or Active, then the associated column should be sorted     in descending order by first letter. -   REQ-5: If the user selects the down arrow next to the column headers     Product, UPC, or Active, then the associated column should be sorted     in ascending order by first letter. -   REQ-6: If the user selects Next (when available), then the next 10     records should be displayed. -   REQ-7: If the user selects Previous (when available), then the     previous 10 entries should be displayed. -   REQ-8: If the user selects First (when available), then the first 10     entries should be displayed. -   REQ-9: If the user selects a new merchant from the drop down box and     selects Submit, then the user should be transferred to the product     list for the selected merchant. -   REQ-10: If the user selects Add Product, then the user should be     transferred to a list of all available products. The products that     are currently being used by the Merchant should not be listed as     being available to that particular Merchant. Alternatively, the     products that are currently being used by the merchant may be listed     but shown as unavailable.

ADD MERCHANT PRODUCT. In some embodiments, a virtual terminal may comprise an Add Merchant Product module. An Add Merchant Product module may allow an Administrator to add products to a merchant's accepted product list. This module may be located in eAdmin.

A user may select a product name in a Not Assigned box to be added. Once the user clicks on the product name, the product name should be moved to the Assigned box. Further, a user may select an item in a Assigned box to be removed. Once the user clicks on the product name, the product name should be moved to the Not Assigned box.

Other methods may be used to transfer items from one list or box to a different list or box. For example, double clicking on an item may move it to a different box. Alternatively, the item may be clicked and dragged to a different box. Alternatively, one or more items in a box may be selected, and then an arrow icon may be selected to move the items to a different box.

A graphical user interface module for Merchant Product List may satisfy the following requirements:

-   REQ-1: If the user selects a link (product) in the Assigned box,     then that link (product) should be moved to the Not Assigned box.     The product name shown on the screen may be linked to a database. -   REQ-2: If the user selects a link (product) in the Not Assigned box,     then that link (product) should move to the Assigned box. -   REQ-3: If the user selects Return to Product Administration then the     user should be transferred to the Merchant Product List module     without adding any products. -   REQ-4: If the user selects Save, the information should be saved,     and they should return to the Merchant Product List module, which     should reflect the saved changes. Alternatively, the user may select     Save and then remain in the same module or in the same screen.

SECURITY. In some embodiments, a virtual terminal may have security measures to restrict access. In some embodiments, only connections from authorized IP addresses are allowed. In some embodiments, other security solutions such as RSA Secure IDs may be installed on each authorized computer.

THRESHOLD CHECK. In some embodiments, a virtual terminal may perform threshold checks before allowing a user to activate a product or generate a PIN for a product. A threshold check may determine if the maximum number of activations and/or generations for a user has been reached. The maximum number of activations and/or generations may be determined by a finance department.

AUDITING. In some embodiments, a virtual terminal may maintain an activity log of attempts to activate, deactivate, or generate a PIN for a product, the results of the attempts, and additional data associated with the attempts.

DATA ENCRYPTION AND SECURITY. Communication between the virtual terminal and the central processor may be encrypted and transferred using the interne, or telephones, or private communication lines, known by one of ordinary skill in the art. For example, public-key encryption or rolling codes may be used. Other security measures such as biometric identification of users may be implemented, for example voice recognition or fingerprint identification. The virtual terminal activity may be monitored for irregular activity that may indicate potential fraudulent use.

ALTERNATIVE METHODS OF DATA STORAGE. The classic PIN comprises a series of numbers. As discussed above, alphabetic characters and other identification indicia are also contemplated. Characters may be read using optical character recognition (OCR) technology. Additionally, classic bar codes comprise printed bars that are readable by a bar code reader utilizing a laser scanning in a one-dimensional linear fashion. More advanced “bar codes” utilize a two-dimensional pixel geometry to incorporate data more densely than is possible using classic bar codes. OCR and bar code readers read visible printed indicia.

Alternatively, identification indicia (such as a PIN) may be stored without any visible printing. For example, a PIN may be recorded or “printed” on a magnetic stripe, or may be recorded on a writable smartcard using flash memory, or may be recorded on a writable RFID tag, or may be recorded using punched holes, or may be recorded using any data storage technology known in the art. Similarly, a PIN may be recorded in the hard drive of a laptop computer or in the flash memory of a mobile telephone.

Further, identification indicia (such as a PIN) may be remembered by the user without any permanent record on a tangible medium. For example, a user may receive a PIN verbally, and may commit the PIN to memory without creating any permanent record on a tangible medium. This type of user memorization is common for military top secret access codes.

The systems and methods, as disclosed herein, are directed to the problems stated above, as well as other problems that are present in conventional techniques. Any description of various products, methods, or apparatus and their attendant disadvantages described in the “Background of the Invention” is in no way intended to limit the scope of the invention, or to imply that invention dos not include some or all of the various elements of known products, methods and apparatus in one form or another. Indeed, various embodiments of the invention may be capable of overcoming some of the disadvantages noted in the “Background of the Invention,” while still retaining some or all of the various elements of known products, methods, and apparatus in one form or another.

The present invention is not to be limited in scope by the specific exemplary embodiments described herein. Indeed, various modifications of the present invention, in addition to those described herein, will be apparent to those of ordinary skill in the art from the foregoing description and accompanying drawings. 

1-20. (canceled)
 21. A method of processing stored value card transactions over a network comprising a central processor and a merchant processor configured for use as a virtual terminal for displaying a plurality of stored value card transaction options and for transmitting a transaction request in response to selection of one of the stored value card transaction options by a user of the virtual terminal, the plurality of stored value card transaction options including at least one of the set consisting of stored value card activation, stored value card deactivation, personal identification number (PIN) generation, and account value insertion, the method comprising: receiving at the central processor over the network a transaction request from the merchant processor, the transaction request having been initiated by a user selection from the plurality of stored value card transaction request options in response to a request from a stored value card purchaser; determining at the central processor which of the transaction request options was selected by the user; determining at the central processor whether sufficient information for carrying out the transaction request was provided with the request; determining at the central processor, based on information included with the transaction request, whether the transaction request meets at least one of the set consisting of validation criteria and authorization criteria; responsive to a determination that the transaction request does not meet the at least one of the set consisting of validation criteria and authorization criteria, transmitting an error message to the merchant processor; and responsive to a determination that the transaction request meets the at least one of the set consisting of validation criteria and authorization criteria, transmitting a confirmation message to the merchant processor and initiating the requested transaction.
 22. A method according to claim 21 wherein the transaction request is a request to activate a stored value card, the transaction request including a stored value card serial number and a value to be associated with the stored value card provided by the user in response to prompts by the virtual terminal, the method further comprising: responsive to a determination that the transaction request meets the at least one of the set consisting of validation criteria and authorization criteria, activating the stored value card and associating the value with the stored value card.
 23. A method according to claim 22 wherein the action of determining whether the transaction request meets at least one of the set consisting of validation criteria and authorization criteria includes at least one of the set consisting of: determining whether the stored value card has already been activated, determining whether the merchant processor is authorized to request activation of the card, and determining whether the stored value card serial number is valid.
 24. A method according to claim 21 wherein the transaction request is a request to deactivate a stored value card, the transaction request including at least one of the set consisting of a stored value card serial number and a PIN provided by the user in response to prompts by the virtual terminal, the method further comprising: determining whether the stored value card is active; and responsive to a determination that the transaction request meets the at least one of the set consisting of validation criteria and authorization criteria, deactivating the stored value card.
 25. A method according to claim 24 wherein the action of determining whether the transaction request meets at least one of the set consisting of validation criteria and authorization criteria includes at least one of the set consisting of: determining whether the stored value card is active, determining whether the merchant processor is authorized to request deactivation of the card, and determining whether the at least one of the set consisting of a stored value card serial number and a PIN is valid.
 26. A method according to claim 21 wherein the transaction request is a request to insert value into a pre-existing customer account with a provider of goods and services, the transaction request including a stored value card serial number, information sufficient to identify the pre-existing customer account, and an amount to be inserted into the pre-existing customer account provided by the user in response to prompts by the virtual terminal, the method further comprising: responsive to a determination that the transaction request meets the at least one of the set consisting of validation criteria and authorization criteria, determining at the central processor the provider of goods and services based on the information in the transaction request, and passing from the central processor to the provider of goods or services a request to insert the amount into the pre-existing customer at the provider of goods or services.
 27. A method according to claim 26 wherein the action of determining whether the transaction request meets at least one of the set consisting of validation criteria and authorization criteria includes at least one of the set consisting of: determining whether the stored value card is active, determining whether the amount to be inserted exceeds a value associated with the stored value card, and determining whether the merchant processor is authorized to request value insertion. 